188 Ruby Ave, Elizabethton, TN 37643 Property Records

Carter County property record for 188 Ruby Ave, Elizabethton, TN 37643

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,200 sqft · built 1966
Lot Size	244 acres (10,628,640 sqft)
Owner	Individual Name on File
Last Sale	$109,500 (Jul 2018)
Tax Bill	$673 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010049L A 03800`

Property Details

APN / Parcel Number

Primary APN	`010049L A 03800`
Alternative APN	`049L A 03800`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	192 sqft
Finished Basement	192 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1993
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,628,640 sqft (244 acres)
Lot Dimensions	150 ft deep x 94 ft wide
Garage Type	Detached
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	116 sqft
Utility Building	396 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	188 RUBY AVE
City	ELIZABETHTON
State	TN
Zip	37643-7263
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 14 PT LOTS 109-111, COUNTY AREA: V02
Legal Subdivision	MILLER SUB
Legal Block	3
Legal Lot Number	112 113
Jurisdiction	CARTER TN
Township / Civil Division	6
Census Block Group	2
Census Block	2003
Census Tract	70600

Owner

Source: Carter County assessment roll, as of May 20, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	188 RUBY AVE, ELIZABETHTON, TN 37643-7263
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage ENCOMPASS LENDING GROUP LP
Jul 3, 2018	Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 3, 2018 · Amount on Record
Deed Sale	Jul 3, 2018 · Amount on Record
Prior Sale	Sep 4, 2014 · Amount on Record
Deed Document Number	18003906
Deed Book / Page	321 / 145
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER TN
Recording Date	Jul 21, 2026
Property Address	188 RUBY AVE, ELIZABETHTON, TN 37643-7263
Document Number	0000004947
Book / Page	652 / 483
Instrument Date	Jul 17, 2026
Instrument	20264947
Transaction Type	Mortgage
Record Updated	Jul 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	110 LYNNVIEW CIR, ELIZABETHTON, TN 37643-6172

Mortgage

Document Number	0000004947,
Date	Jul 21, 2026
Book Page	652/483
Instrument	20264947

Lender

Name	ENCOMPASS LENDING GROUP LP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARTER TN
Recording Date	Jul 3, 2018
Property Address	188 RUBY AVE, ELIZABETHTON, TN 37643-7263
Document Number	0000003906
Book / Page	321 / 145
Map Reference	MB2 PG130
Instrument Date	Jun 29, 2018
Instrument	18003906
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	RELIABLE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$405.15
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 RUBY AVE, ELIZABETHTON, TN 37643-7263

Mortgage

Document Number	0000003907
Date	Jul 3, 2018
Book Page	321/148
Instrument	18003907

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

Source: Carter County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Carter County
Unified School District	Carter County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$673.00 (+7.51%)	$30,850 (-) Land $12,200 Building $18,650
2023		$30,850 (-) Land $12,200 Building $18,650
2022	$626.00	$30,850 Land $12,200 Building $18,650	$123,400 (-) Land $48,800 Building $74,600
2021			$123,400 Land $48,800 Building $74,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	7 (1998–2024)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 claims Severe Storms And Flooding, Jan 1998 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 49% of Tennessee
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTH ELIZABETHTON U.D. serves 6,244 people · EPA ID TN0000646
Water Source	Purchased surface water from WATAUGA RIVER REG WATER AUTH
Last State Inspection	Oct 2025
Also Mapped Here	ELIZABETHTON WATER DEPT
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

May also be available: Verizon, Xfinity.

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